Android Looking for a Budget 5G Phone Under 20K Strictly for Product Photography

You may get a used S22 (Snapdragon processor): has good camera and 5G. Even an iPhone but S22 has a better camera IMO than iPhone 12 that will be available at this price. Otherwise there are no good phones with these two under 20K.
 
I would advise against Moto phones on a budget because they have random heating issues while doing any heavy processing tasks like Camera, Editing, etc. Most of my family members who use Moto budget phones are pretty annoyed by that.

Your best bet would be a second-hand iPhone that's a bit old and in your budget, or getting a Samsung.

I don't know what the products in question are about, but I drive an Honor x9b daily, and it's pretty nice to capture the textures of food I make that I frequently like to record (I am a Chef). It has a nice macro mode as well which I enjoy using. My only issue is that it's piss poor in low light but I guess that wouldn't be a problem if you are going to get some lights and setup stuff for the product shoot.

Check these pics out from my gallery (they have been color-corrected in Snapseed a bit):

 
Choose between Moto Edge 50 neo & Nothing phone 2a/2a plus 256GB (sometimes 2a plus is cheaper). Both have their pros & cons, check GSMArena review & other reviews/comparisons. Moto has been improving recently, now their major con is slow OS updates but OS updates don't add anything substantial anyways these days.
I second Moto Edge 50 neo. You should have a look.
 
Get a Pixel 7a or 7 without a doubt. If you want to buy new you can check if someone has released a stable Gcam for it. I have a Nothing Phone 1 and Gcam does get better pictures overall than the stock cam.
 
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If you're looking for new phones, consider the below,
* Nord CE4 - 50MP Sony LYT600 wide and an 8MP Sony IMX355 ultra-wide
50 MP, f/1.8, 26mm (wide), 1/1.95", 0.8µm, PDAF, OIS
8 MP, f/2.2, 16mm, 112˚ (ultrawide), 1/4.0", 1.12µm
4K@30fps, 1080p@30/60/120fps, gyro-EIS, OIS

* Nothing 2a
Wide (main): 50 MP Samsung ISOCELL GN9 (S5KGN9) f/1.9, 1/1.56", 1.0µm, PDAF, OIS; 2160p@30fps
Ultra wide angle: 50 MP Samsung ISOCELL JN1 (S5KJN1), f/2.2, 1/2.76", 0.64µm; 2160p@30fps
Info from GSMArena

If you're getting something used, check out for Pixels and iPhones, iPhones have no competition in terms of video production quality
 
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In terms of value nothing would beat a used Iphone 13/12 mini or a S22 if you want to go with android. If you want to buy new the Honor 200 look pretty good for the price especially in the camera department, at least according to the reviews.